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In the last decade there has been a lot of controversy surrounding payment protection insurance (PPI) and the controversy stems from payment protection policies being mis-sold. Mis-selling refers to when something is sold to a consumer that they have no use for, don't want or didn't even know they were buying. Lenders were mis-selling payment protection so they could increase their earning potential by charging additional interest on the payment protection policy as well as on the credit card charges. Payment protection was supposed to be for the credit cardholders, not the credit card companies it ended up reaping the benefits.

What Is PPI All About?

This particular type of policy was intended to make their payments when policyholders were unable to due to unemployment or ill health. In other words, the insurance company would step in to make the payments for the credit card holder. Plenty of credit card companies mis-sold payment protection by telling customers that when they signed up for payment protection it would lock in an interest rate. Many times when these policyholders went to use the coverage because they're on the brink of financial catastrophe, they find out they have no coverage because there are numerous exclusions in most of these types of policies. This, in turn, led to hundreds of thousands of PPI refunds throughout the last decade.

What Do I Need to Know?

Many credit card companies that have had payment protection attached to their services have charged the credit card holder additional money unbeknownst to them or at least in a manner in which the policyholder didn't understand it was payment protection insurance. These additional monies are often referred to as credit card charges. If you feel as though you deserve a PPI refund on your credit card, you can claim back credit card charges but they are is a little bit of information you need to know. When trying to claim back credit card charges you must be able to prove that the lender mis-sold you payment protection.

Proving Credit Card Companies Mis-Sold PPI

Some of the many ways in which you can prove you were mis-sold include if a lender seduced you into getting the policy by telling you it would being beneficial to you without explaining the terms and conditions or the eligibility requirements. Other ways include when you were told that payment protection was mandatory or if you were not told about payment protection insurance at all but eventually just saw it on your bill. If any of the above pertains to you, you can file to claim back credit card charges.

If you need help when trying to claim back credit card charges from the credit card company who sold you payment protection insurance, there are PPI claims companies who are experts when it comes to being able to reclaim credit card charges. These companies have trained claims specialists who file claims against the credit card company everyday and have gotten countless United Kingdom citizens the fair financial compensation they deserve. Always look for companies with verifiable credentials and a willingness to claim back credit card charges on behalf of any mis-sold PPI policyholder on a no win no fee basis.

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